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1.  Transform from customised programming to a repeatable, scalable business model.

2.  Lack of synergy between group activities and existing functionality.

3.  Lack of integrated approach to commercial and functional development.

4.  Mature market and long sales cycle for Core Banking solution.

5.  Requirement to uptier internal skills, documents and processes.

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Next Steps


Phase 2 will focus on Step Change Growth   including revenue model maximisation,  

innovation of new functionality, securing new

clients and fundraising.

uft case study benefit expert opinion challlenge

1.  Fact based strategy and framework for value creation.

2.  Development of new capabilities in innovation, client service and planning.

3.  Digital Client Engagement solutions developed to access high growth/value


4.  Additional revenues generated from new clients.

5.  Business transformed from Internal+IT focus to an External+Client led approach.



1.  Validation of IT solutions, relevance to market need and value added.

2.  Validation of which markets offer best opportunity and Union's advantages/USP's.

3.  Creation of value proposition and product identities.

4.  Creation of multi-channel marketing strategy and content.

5.  Launch of new business  development drive in UK, Nordic and Baltic markets.

6.  Regular cross-functional team meetings and training.



Union was founded in 2013 and is a fast growing financial technology firm based in Estonia.


Union serves Banks, Credit Unions and Alternative Finance clients across Europe with their Credit Scoring, Core Banking and Client engagements solutions.


The business is privately owned and has ambitious expansion plans.






Technology, Transformation